Our Accounts

Discover our various types of bank accounts

With INST MUTUEL bank accounts, you also benefit from insurance coverage for your daily life, travels, including pandemic risks.

INST MUTUEL Standard

INST MUTUEL Smart

INST MUTUEL Smart Plus

INST MUTUEL Business

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BUDGET

Automatic categorization of your expenses

Need a little help managing your budget on a daily basis? By having an overview of how you're spending your money. INST MUTUEL automatically categorizes your expenses by category.

ACCESS

Your online space

Manage your INST MUTUEL account 24/7 from your mobile phone, but also from the online customer area in your web browser. Download your RIB and bank statements in CSV or PDF format whenever you want

Security

Security, our priority

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3D Secure

We use 3D Secure technology to secure your online payments. When necessary, you will need to validate your transactions from the terminal associated with your account.

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Account Control

You have full control over your account settings on your smartphone. You can lock/unlock your card, activate/deactivate online payments, and more in real time.

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Our Banking License

INST MUTUEL holds a European banking license. It is subject to French banking regulation authority and is therefore a fully regulated bank.

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Insured Funds

Your deposits are insured up to 100,000 euros by the French Deposit Protection Fund.

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What People Say About Us

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Frequently Asked Questions

INST MUTUEL, the online bank, was launched in 2015. It holds a German European banking license. INST MUTUEL operates in 25 markets and currently has 7 million users, including more than 2 million in France. INST MUTUEL offers a free* bank account as well as various premium accounts for individuals or self-employed and freelancers.

As a bank, INST MUTUEL is supervised by the German regulator and complies with all European regulatory requirements. INST MUTUEL clients' funds are guaranteed up to €100,000 by the French Deposit Protection Fund. Furthermore, the INST MUTUEL application has many features to ensure the security of users' data and bank accounts.

To open a free INST MUTUEL bank account or any premium account, you need to meet the eligibility criteria. Then, you can sign up on the website from your phone or computer. Opening a INST MUTUEL bank account takes only 8 minutes and is paperless. Once your identity verification is completed, your bank account will be ready to use.

To open your free* INST MUTUEL Standard bank account or any other INST MUTUEL account, you need to:

  • Be at least 18 years old
  • Reside in a country where we offer our services
  • Have a compatible phone
  • Not already have a bank account with us
  • Have a valid identity document accepted by our services for your country of residence.

INST MUTUEL is The 100% Mobile Bank. Customers with a free* INST MUTUEL Standard bank account can manage their bank account online and from their mobile in real time, whether they are at home or on the other side of the world. You can access monthly spending statistics to help you manage your money more easily. If you need a physical bank card for withdrawals, you can order one for only €10. The free* INST MUTUEL Standard bank account allows you to make up to 3 withdrawals per month free of charge.

The INST MUTUEL standard bank account has no opening or account maintenance fees. Deposits over €50,000 may be subject to billing. Please refer to our terms and conditions for more information.

+50k

clients

+102M

invested

100%

mobile

2017

Establishment

Copyright @2024 INST MUTUEL SA.